Affordable Healthcare Benefits with Zero Copays

With the CHAMP Plan, The Policy Shop is providing innovative and affordable healthcare solutions that put employees first. Built on the principles of transparency and integrity, we strive to simplify healthcare benefits and help businesses maximize cost savings while ensuring employees receive top-tier care. Our mission is to empower individuals with better healthcare choices while enhancing their financial well-being.

What is The Champ Plan™?

The Champ Plan™ is an innovative healthcare benefit designed to supplement primary health insurance. It offers employees unlimited primary care and urgent care visits, 100% preventive care coverage, and $0 copays for essential healthcare services. Employees also gain access to unlimited prescriptions (for both themselves and their families) and 24/7 Virtual Direct Primary Care at no cost.

Beyond healthcare access, The Champ Plan™ integrates cutting-edge well-being management technology that encourages employees to make healthier choices, leading to improved overall wellness. Plus, with no deductibles, no coinsurance, and no worries, employees can focus on their health without financial stress.

Why does my paycheck look different?

Your paycheck will reflect additional line items due to your participation in The Champ Plan™. These include a pre-tax premium contribution, a post-tax premium deduction, and a Champ Plan™ benefit credit.

When comparing your paycheck with and without The Champ Plan™, you’ll likely see an increase in your net take-home pay each month due to tax savings and cost-efficient healthcare benefits.

Can I unenroll from The Champ Plan™ at any time?

Because The Champ Plan™ is offered through a Section 125 Cafeteria Plan, IRS regulations apply. Employees can only make changes during open enrollment or if they experience a Qualifying Life Event (such as marriage, childbirth, or a job change).

Is there a copay for the Virtual Direct Primary Care benefit?

No. Virtual Direct Primary Care is a $0 copay benefit available to all family members in your household.

My primary health insurance covers preventive care. Does The Champ Plan™ duplicate coverage?

While ACA-compliant health plans do cover preventive services, The Champ Plan™ is designed to reduce reliance on traditional insurance by providing cost-effective, faster access to care. By shifting healthcare utilization to The Champ Plan™, employees can lower out-of-pocket expenses and help keep their employer’s overall health insurance costs down.

How will I know when to participate?

Employees will receive push notifications, emails, and text reminders with important plan updates and simple activities designed to promote better health.

What happens if I don’t participate?

The Champ Plan™ is voluntary, and employees can opt out during open enrollment.

If an employee chooses to participate but misses their required monthly activity, they typically receive a 30-day grace period with reminder notifications. Employers may also be notified to help encourage participation.

What benefits do I get with The Champ Plan™?

The Champ Plan™ provides comprehensive benefits for employees and their families:

For Employees:

✅ $0 copays for primary care and urgent care visits
✅ $0 copay for unlimited 24/7 Virtual Direct Primary Care
✅ $0 copay for unlimited prescription drugs (acute & preventive)
✅ Access to Health Coaches for personalized guidance
✅ Well-being management technology to help employees improve their health

For Spouses & Families:

✅ $0 copays for unlimited 24/7 Virtual Direct Primary Care
✅ $0 copays for unlimited prescription drugs (acute & preventive)

What preventive care services are covered?

The Champ Plan™ covers all preventive care services required under ACA guidelines for employees.

How do I show proof of coverage at a doctor’s office or urgent care?

Employees receive a digital ID card via our mobile app and email. This card should be presented at the time of service to ensure $0 copays.

How do I access my prescriptions with a $0 copay?

Simply present your digital ID card at the pharmacy to receive covered prescriptions at no cost.

Does The Champ Plan™ cover name-brand prescriptions?

Yes! The Champ Plan™ covers a wide range of generic and name-brand prescriptions at 100%. Medications not on the formulary list are available at a significant discount.

Is my health information private?

Absolutely. The Policy Shop is HIPAA compliant, ensuring that all employee health information remains private and secure. No personal data is shared with employers or third parties.